Assédio de consumo e superendividamento de consumidores hipervulneráveis no Brasil

Abstract

This article aims to analyze consumer harassment and hypervulnerability of elderly consumers, emphasizing the consequence of both phenomena, known nowadays as over-indebtedness. Through a theoretical-normative study, but also with reflections of a practical nature, the article presents bibliographical and documentary analyzes on the nuances of the current frenetic consumption mode that, through the harassment of consumption practiced by institutions, results in irreversible indebtedness of the elderly consumer. The theme is of extreme socioeconomic relevance and gives an innovative study of the Brazilian legal system, since there are still great controversies around the aforementioned theme. In this sense, the article intends to shed light on Law 14.181/21, the Over-indebtedness Law, which was created with the objective of solving some current problems of Consumer Law in Brazil, among them the one that is intended to be emphasized: the harassment of consumption and over-indebtedness of the hyper-vulnerable population.